Steve's responsible for leading the product and technology development as well as operations at Payall. Since 1994, he's been at the fore-front of acquiring processing (POS, CNP, mPOS), prepaid issuing processing including open/closed and enhanced networks, ACH, progressive compliance systems, fraud and risk management, loyalty systems, mobile and web technologies and specialized payment and data processing for purpose-specific needs. His extensive knowledge of the arcane rules, procedures, and players in the payment processing and banking platforms is surpassed by his passion to mentor, train and develop his teams as well as delight clients with services that are secure, adaptable, resilient and scalable.
Moreover, Steve has both led and personally delivered, pioneering architecture design, applications in numerous languages, data center design and build-out, and management of encrypted, high-availability, complex payment processing solutions for start-up organizations that were acquired by major corporations.
Steve also has an unusual aptitude to work in small, privately held companies, as well as serving as a technology leader and senior executive in public companies responsible for thousands of IT and operations professionals on multiple-continents.
As a globally recognized payment processing expert, he's led the technology activities in multiple companies, including WildCard Systems, eFunds, Wave Crest and Fidelity National Information Services. His work has been recognized for its pioneering approach and industry-changing results. In fact, while Chief Technology Officer at WildCard Systems, he originally designed and built a truly native prepaid using system that was certified by Visa, MasterCard, Discover, American Express, Union Pay International and others. Even after two corporate acquisitions, the prepaid card platform still stands today as the primary prepaid solution for FIS, where Steve demonstrated his ability to successfully manage and evolve the platform through a series of acquisitions and mergers.
Steve also served in the United States Army where he learned to fly helicopters and parachute, and he finished his bachelor's degree in biology from the University of Maryland. He also has a master's degree in Computer Science from Nova Southeastern, as well as two doctorate degrees from Stetson University - one in mathematics and the other in computer science.
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